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Amex 3x CLI to $45,000

Contributor

Amex 3x CLI to $45,000

Well, I decided I'm going to take the plunge!  I got my Amex BCP a little over 8 months ago.  I started with a $5,000 limit and at 61 days, requested a 3x cli which was instantly approved to $15,000.  It's been a little over 180 days since then and after a lot of debate with myself, I decided to try another 3x cli request.  I have paid in full every month since I got the card and typically run between $2,000-$4,000 a month through it.  I just made a $3,500 payment today and I'm waiting for it to post before I attempt the cli.  I'll let everyone know if I get a 4506-T request and/or an approval or counter offer.  Household income of $270,000 and my Experian FICO 8 is 739 so here goes nothing!!!

11 REPLIES
New Member

Re: Amex 3x CLI to $45,000

Anxious to hear how your request turned out.  I am almost in the same exact situation and have a very similar credit profile.  Got a BCP back in July with a SL of 5,000.  At 61 days, 3X to 15,000 (love Amex!) and have been using it often for groceries and gas.  I am coming up on my 180 days this week and was wondering how much of a CLI to ask for.  Don't really need a big limit, but always appreciate the buffer on utilization.  I chatted with customer service and they confirmed my eligibility date.

Valued Contributor

Re: Amex 3x CLI to $45,000

Hope everything works out for you OP. Following this thread to see the results.

Established Contributor

Re: Amex 3x CLI to $45,000

me too, curious to see your results. good luck op.

8/14/2017 FICO TU-812|EX - 808|EQ -806
Total Credit - $201.4K

Starting Score: 640
Current Score: 805
Goal Score: 850


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Valued Contributor

Re: Amex 3x CLI to $45,000

congrats but you also deflated my hopes and dreams of a 24k CLI with my Everyday card... my income is creeping up on 60k Smiley Sad ah well, I am technically a full time college student so can't win em all at once I suppose.

Senior Contributor

Re: Amex 3x CLI to $45,000

I would think with that income level you'd get the $45k approved with little issue.

Valued Contributor

Re: Amex 3x CLI to $45,000

It will get approved but, w/ or w/o the 4506 request is the question.  Some do w/o and some don't.  

Contributor

Re: Amex 3x CLI to $45,000

I went online about an hour ago and requested the 3x cli and sure enough, I got the 4506 request.  I filled out the 4506 online and submitted it.  So now it's wait and see.

Valued Contributor

Re: Amex 3x CLI to $45,000

I am sure you will get your CLI, it will just take a little time.

Gardening till 2018, Goal of 700's by the end of 2017
MyFico Scores Aug 2017: EQ 675 TU 695 EXP 698
Senior Contributor

Re: Amex 3x CLI to $45,000


Tim_S wrote:

I went online about an hour ago and requested the 3x cli and sure enough, I got the 4506 request.  I filled out the 4506 online and submitted it.  So now it's wait and see.


I'm 100% confident with the 4506 submitted that you'll get the $45k limit.